Mold and Home Insurance Quotes

Many stories have arisen about homeowners and mold populations that grew to insane proportions. Some people take these sorts of stories for granted, but those looking into getting home insurance have found their home insurance quotes rise due to its influence. The truth of the matter is mold is a large problem and affects many homes.
Beyond simple property damage, mold can cause a host of other problems. Many types of mold can affect the health of you and your family, and in some cases it can be fatal. Mold reproduces by releasing tiny bits of it called spores. These spores can enter the body though any opening, but most commonly infect the lungs though the repertory system. This causes many people to look for insurance policy that can cover mold infestation, but this is a dangerous prospect to many home insurance companies. Due to the ways that mold reproduces, an outbreak of mold can claim many houses very quickly and can cause the number of claims to skyrocket. This makes companies very wary about covering homes in mold prone areas. Mold growth can cause a number of problems to a home including discoloration, weakening of the structure, and can contribute to foul smells coming from the home.
When looking for home insurance quotes you can look for companies that offer "buy-back" endorsements that are sort of limited mold insurance. This usually will cause your home insurance quotes to rise if you look for this option, but if you are in an area where mold is common then it may be vital. Other companies have a mold cleanup service that will clear out mold populations, and attempt to repair the damage the mold has done rather than simply pay out a settlement.
As a homeowner knowing about how mold grows and where it likes to live can help you prevent the need to mold coverage on your home insurance quotes. Preventative measures taken against mold can keep your home in tiptop shape even without mold coverage on your home insurance quotes.
Mold Tips

1. Keeping your humidity in the home between 30-50% can help inhibit mold production
2. Ventilation in any attic or crawl spaces will prevent stagnate air that becomes a breeding ground for mold.
3. Cold surfaces such as windows and pipes should be well insulated to keep the moisture from providing an entry point for mold.
4. Any plumbing problems should be solved as soon as the crop up. Plumbing problems are a haven for mold and can end up causing far more damage than initial thoughts might suggest.